X-Capital Review: Fake CEO Crypto Ponzi With Malaysian Props

Welcome to my X-Capital Review!

If you’re wondering whether X-Capital is a legitimate crypto investment opportunity or just another scammy MLM Ponzi cooked up by anonymous hustlers using fake CEOs and rented offices—spoiler alert: it’s the latter. And not even a good one.

Let’s break it all down, from the imaginary execs to the predictable compensation plan that’s basically a pyramid in a fintech Halloween costume.

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X-Capital Review Overview: Welcome to Fantasy FinTech Theater

X-Capital operates from the domain x-capital.io, which was privately registered in June 2024. Despite that very recent origin, the company proudly claims on its website that it was launched in 2018.

Because nothing says “trustworthy” like lying about your age on the first date.

While the site boasts a team of C-suite executives—including CEO George Chuen—none of these fine folks exist outside the confines of X-Capital’s website or its staged YouTube videos.

The actor portraying “George Chuen” has a Malaysian or Singaporean accent and delivers his lines like he just discovered what crypto is yesterday. The whole thing reeks of Fiverr-level production, complete with a rented office backdrop and generic startup lingo.

Also worth noting: X-Capital claims to operate through a Malaysian shell company called X-Capital DCI, and even lists a Malaysian business address. Because why not sprinkle in a bit of fake corporate legitimacy for good measure?

X-Capital Products: Absolutely None (Except Dreams)

X-Capital offers no retailable products or services. You can’t buy anything. You can’t sell anything. You’re just here to recruit more people and invest your money.

It’s like Herbalife without the overpriced shakes. Just vibes and crypto wallets.

Affiliates can only promote the affiliate membership, which—surprise!—costs money if you want to earn anything.

X-Capital Compensation Plan: Invest, Recruit, and Wait for the Collapse

X-Capital affiliates are invited to invest in crypto under the guise of “daily returns” ranging from 0.6% to 0.75%. Of course, this is capped at 200% ROI, because nothing screams “Ponzi scheme” like mathematically unsustainable compounding returns.

Here are the investment tiers:

• Bronze: $50–$999 = up to 0.6% daily

• Silver: $1,000–$4,999 = up to 0.65% daily

• Gold: $5,000–$24,999 = up to 0.7% daily

• Platinum: $25,000–$100,000 = 0.75% daily

Translation: You give them your money, they give you Monopoly tokens… until they don’t.

Affiliate Ranks

X-Capital has a convoluted 7-rank system, because nothing says credibility like gamifying financial fraud. Here’s a sample:

• 1 Star: Recruit 2 investors and generate $10K in downline investment

• 2 Stars: Recruit two 1-Star members and generate $50K in downline

• …

• 7 Stars: Generate $21.6 million in downline investment (you know, just casually)

So if you’ve got time, a pyramid to build, and $21 million worth of friends ready to YOLO into crypto vaporware, this might be your moment.

Referral Commissions

X-Capital uses a standard 15-level unilevel structure. Commissions are tied to your rank and go like this:

• 1 Star: 15% on Level 1

• 2 Stars: +10% on Level 2

• 3 Stars: +5% on Level 3

• …

• 7 Stars: Earn all the way to Level 15 at descending percentages (down to 1%)

You’re basically being paid to build a downline that keeps pouring in new investments, which is the MLM equivalent of digging your own grave while smiling.

Ranking Bonus (AKA Pyramid Perks)

X-Capital also throws in ranking bonuses for hitting milestones:

• 1 Star = 5%

• 2 Stars = 8%

• …

• 7 Stars = 23%

And they don’t really say what you’re earning the bonus on. Could be returns, deposits, or just participation trophies for being a good little scammer.

Red Flags: Where Do We Even Begin?

• Fake CEO: “George Chuen” is clearly an actor, not a crypto genius. He probably moonlights doing explainer videos for NFT rug pulls.

• Lying About Launch Date: They claim to have launched in 2018, yet the domain was registered in 2024. That’s not just shady—it’s a full-on red flag bonfire.

• No Verifiable External Revenue: Despite claiming to generate money via “strategic crypto investing,” there’s no proof of external trading. Just promises. Lots of promises.

• Unregistered Securities: There’s zero indication that X-Capital has registered with any financial authority. That makes their operation illegal in most jurisdictions.

• 200% Cap on Returns: These schemes always promise you’ll double your money, but they never mention the part where they collapse before you see a dime.

Final Verdict: X-Capital Exit Scam Waiting to Happen

X-Capital is a Ponzi scheme with a rented suit and a bad accent. The fake CEO, fake launch date, and fake trading operation are just the surface-level shenanigans.

This is a textbook MLM crypto scam built to funnel money from newcomers to the top recruiters until the whole thing collapses. And it will collapse—because that’s how Ponzi math works.

So unless you’re into recruiting your friends into fake Malaysian tech startups and getting ghosted when the withdrawals stop working, skip this one.

Save yourself the headache—and the bank account drain.

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